i have a few payday loans that i am trying to payoff, but cannot,they have threatned me with check fraud can i go to jail for this? i did not write a hot check? what can i do? i have been reading your forum and i have read that a lot of people have the same problem. i live in texas, should i close my account or tell them to stop calling me, they call me at work and have told me they will garnish my wages.